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The Catastrophic Injury Blog

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P: 828-252-2852

Protecting Your Personal Injury Rights

Insurance companies arm themselves with lawyers. The main goal of insurance company adjusters and lawyers is to save the company money. They are not concerned with how serious the injuries are or what it will take to get your life back on track. That is the major reason you need a personal injury attorney to represent you. After an accident, the insurance company may want to talk to the victim right away. The victim is usually in pain or, worse yet, on pain medication. But the insurance company is listening carefully to find excuses to make a low settlement or no settlement at all. Denied claims and lower benefits save money for the company. When you have a personal injury attorney, that attorney can handle all communications with the insurance company. At David Gantt Law Office in Asheville, North Carolina, we can protect your rights. The insurance company knows that the accident has caused you financial problems. They may offer a quick settlement to take advantage of your need for immediate financial help. Low-ball offers are common. Your personal injury lawyer can help you understand how much your case is worth and how much you will need for medical care and wage losses now and in the future. When an insurance company delays payments or unreasonably denies coverage for an accident, that is insurance bad faith. Your attorney can explain what you should expect — and protect your personal injury rights. If the insurance company will not offer a fair settlement, you need a personal injury lawyer who will take your case to trial. Attorney David Gantt has extensive trial experience and knows how to present an effective argument in court. Make sure you receive fair treatment from the insurance company. Contact us for a free consultation.

P: 828-252-2852

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FREQUENTLY ASKED PERSONAL INJURY QUESTIONS

What if the insurance company will not make a reasonable offer to settle?

There is no fixed formula for deciding what a claim is worth. What is "reasonable" depends on who is evaluating the claim. Insurance companies have a lot more experience evaluating and anticipating what a claim might be worth than you do. It is extremely important that you select a lawyer that has experience and is knowledgeable of the value of similar claims in you area. Valuations of cases vary from county to county and city to city. Consultation with local counsel is critical.

Q. I was involved in a car accident while working. Can I make a claim against the car insurance in addition to the workers’ compensation insurance company?

A. Yes. You will likely have a workers’ compensation claim regardless of how the car accident occurred. If the wreck was caused by someone else’s negligence, you will also have a personal injury claim against the responsible party. You should consult a lawyer familiar with both personal injury and workers’ compensation law to make sure these claims are brought in proper legal procedure. Failure to coordinate both claims could result in enforceable liens of one or both of the insurance payouts.

What will the lawyer cost?

Lawyers generally handle injury cases on a contingency or percentage (%) basis. The fee is charged after a settlement or jury verdict is reached. If you lose the claim, you would not owe the lawyer any fee for his/her time under a contingency fee. Costs for obtaining medical records, accident reports, copies, long distance phone calls and other "out of pocket" expenses are payable by you regardless of the outcome.

Should I go to the hospital if I don't have pain?

Most health care providers recommend that you go to the Emergency Room to make sure you don't have hidden or delayed injuries. Even if you don't go to the Emergency Room for a check up, you should schedule a doctor appointment to be certain you have no injuries.

How long do I have to bring my claim?

North Carolina law generally gives you three (3) years to file a lawsuit for personal injury. Wrongful death claims usually have a two (2) year time limit. North Carolina law only applies if the accident happened in North Carolina.

How do I handle myself at the scene?

You must stop and help anyone who is injured at the scene. Take precautions to make sure other cars are warned of the wreck. North Carolina Law requires you to call the most convenient law enforcement. Get the officer involved as soon as possible so this trained professional can objectively prepare critical reports and make important observations. You are only required under North Carolina law to disclose your name, address, registration number and driver's license. While you do not have to give a full statement to the officer, you should give a brief statement of what happened. You should not make any other detailed comments to anyone until you have consulted your lawyer. Photograph your car and your injuries as soon as possible. DO NOT SIGN...

CATASTROPHIC INJURY VIDEO LIBRARY

Our Video Library is not closed-captioned.  Instead of embedding our videos, we have created posts for them, where full transcripts of can be found.
Click on the links below to view the video and its transcript.

Short Personal Injury Overview

Personal Injury Overview

Personal Injury Detailed Overview

Personal Injury Detailed Overview

Compassionate North Carolina Social Security Disability Lawyer

David Gantt describes his History in Helping People with Workers’ Compensation and Social Security Disability Cases